Federal Reserve's dovish shift in 2026? Fintech may face disruption, can banks become the next tech giants?

Question

【CryptoWorld】Recently, a well-known investment strategist shared his views on the 2026 market during an interview with the media. He believes that the Federal Reserve will adopt a more moderate monetary policy stance next year, which could revive business confidence. The ISM Purchasing Managers’ Index is expected to return above 50, providing positive stimulation to traditional sectors such as industry, energy, and raw materials.

More interestingly, he pointed out that the financial services industry is at the forefront of transformation. The application of AI and blockchain will significantly reduce labor costs and increase profit margins—top banks like JPMorgan and Goldman Sachs may gradually exhibit characteristics of tech stocks, becoming the “tech elites” of the future.

Regarding market rhythm, he cited historical data to highlight an interesting pattern: after the stock market gains more than 20% for three consecutive years, there is a 50% chance that the upward trend will continue in the fourth year, sometimes even performing stronger. Of course, overconfidence remains a potential risk, but the current cautious attitude of investors may effectively hedge this hidden danger.

The market in 2026 is bound to experience fluctuations, but structural opportunities are worth paying close attention to.

MeaninglessGwei · Accepted Answer

Bank turns into a tech stock? That's hilarious, it's still about cutting costs through layoffs; a shiny name can't hide the essence.

The Fed's dovish shift sounds good, but is this data real? Feels like they're just storytelling again.

AI reducing costs sounds great, but the real beneficiaries are those old-established institutions. What about retail investors?

A 20% increase in three years with a 50% chance to continue rising? This logic sounds a bit shaky to me.

JPMorgan Chase and Goldman Sachs becoming tech giants? Instead of believing that, maybe we should see if the crypto space will get wrecked.

Traditional finance should have already transformed by now; it's a bit late to say so now.

Will the economy be saved if the ISM returns above 50? That's a pretty low threshold; it might just be another false boom.

Can blockchain really significantly cut costs, or is this just another wave of marketing hype?

This chain of logic is too loose; it feels like they're just making up stories to tell retail investors.

AlphaLeaker · Answer

Are banks turning into tech stocks? I need to think about this logic again... The idea of reducing costs and increasing profits depends on whether the Federal Reserve will really adopt a dovish stance.

If JPMorgan Chase and Goldman Sachs truly become "tech giants," then I need to readjust my current positions.

The idea that AI reduces labor costs sounds great, but has it actually been implemented? We still need to look at the data.

The probability of the stock market rising for the fourth consecutive year is 50%? That probability sounds a bit vague...

Wait, is FinTech disrupting banks? Conversely, banks themselves are now FinTech, which is a bit confusing.

Blockchain reducing costs is coming up again; how many times have we heard this before...

Talking about 2026 is still too early; let's first see how the Federal Reserve acts in January.

SolidityStruggler · Answer

Banking becomes a tech stock? Sounds good, but I still feel like it's the same old business, AI can't save it either

Traditional finance embracing on-chain? Wake up, bro, they just want to take our share

The 50% probability historical pattern is a bit虚, gambler's logic

Federal Reserve dovish turn, is this really genuine or are they just fooling us into entering the market

JPM and Goldman Sachs becoming "tech new stars"? I’d only believe it if pigs could fly, better to go all in on those real on-chain protocols

ISM index breaking 50 sounds good, but can the traditional sectors really pick up, has nothing to do with crypto

Wait, is this analyst again just looking for an endorsement for their own holdings?

Lower labor costs? Sounds like fancy talk for layoffs, forget it

If these predictions come true next year, it would be a miracle, they hype this every year

This logic, feels a bit like just making up a story to fill in the gaps

TradFiRefugee · Answer

Bank turning into a tech stock? Sounds good, but I have a feeling it's a bit shaky... Can JPMorgan really compete with those native tech companies? Honestly, it's still a systemic issue.

Traditional finance embracing blockchain, I don't think so, it's more of a marketing gimmick.

Dovish turn heard countless times, is this really the case? I bet five bucks it will be hawkish again.

Historical patterns have a 50% probability... what about the other 50%? They always pick the most favorable reasons when making a case.

Will 2026 really arrive? I just want to know how coins will perform this year.

BankruptcyArtist · Answer

Banking becomes a tech stock? The logic sounds fresh, but it feels a bit shaky... Can layoffs and cost-cutting really make it soar like Meta? Or does it depend on whether they can truly come up with some innovation?

Dovish rate cuts sound comfortable, but the question is... Can traditional sectors really take off with this wave, or will they be drained by tech again?

50% chance of continuing the rise... To be honest, this probability is just a number; gambling mentality should be avoided, everyone.

The goal of returning the ISM to 50 feels like a pie-in-the-sky idea. Can economic data really reverse so quickly? I'm a bit skeptical.

JPMorgan Chase is working on on-chain finance? I'd like to see if they can actually pull it off, rather than just another PR stunt.

The ones who truly make money are never those who just listen to analysts tell stories... Someone said this theory last year too.

RugPullAlertBot · Answer

Banks turning into tech stocks? Sounds good, but will JPM and those guys really give up the traditional interest margin profit model? I'm skeptical.

The dovish shift is indeed positive, but will ISM return to 50? I need to see the real data, don’t want to be fooled.

Probability of a 50% increase in the fourth year after three consecutive years of growth? That logic is a bit far-fetched. Will history repeat itself?

JPMorgan Chase aiming to become a tech giant—ask their CEO what they really think. It’s not something that can be achieved just by using AI.

Lowering labor costs sounds great, but the risk control pressures in the banking industry are really not something AI can fully solve.

Federal Reserve's dovish shift in 2026? Fintech may face disruption, can banks become the next tech giants?

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Federal Reserve's dovish shift in 2026? Fintech may face disruption, can banks become the next tech giants?

Trending Topics

GateAIOfficiallyLaunches

BitcoinSix-DayRally

MemeCoinRebound

JusticeDepartmentSellsBitcoin

My2026FirstPost

Hot Gate Fun

Y

Probability

king arthur

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1767

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BTR

BTCHTrump

FAD

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Your First Words Matter! Share your first post on and split $10,000 in New Year rewards. Post with #My2026FirstPost to share your New Year wish 2026U Position Voucher, Gate New Year boxes, F1 Red Bull merch await you! Ends on Jan 15, 2026, 16:00 UTC 2026 starts with this post!

Your First Words Matter!
Share your first post on and split $10,000 in New Year rewards.
Post with #My2026FirstPost to share your New Year wish
2026U Position Voucher, Gate New Year boxes, F1 Red Bull merch await you!
Ends on Jan 15, 2026, 16:00 UTC
2026 starts with this post!